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文章通过浅述中小企业融资渠道束缚现状,提出解决我国中小企业融资困境的新思路—民间融资,并进而对民间融资进行了概述,重点就中小企业选择民间融资的内外原因、民间融资的利率水平、特有的风险防范机制进行了深入分析,并给出规范、引导民间融资的几点建议。指出随着中小企业的发展,民间融资方式最终会被纳入正规金融规制,成为现代化金融体系的组成部分。
This article puts forward a new idea to solve the financing dilemma of SMEs in our country through discussing the current financing channels of SMEs - folk financing, and then gives an overview of private financing, focusing on the internal and external reasons why SMEs choose private financing, the interest rate of private financing , Unique risk prevention mechanism conducted in-depth analysis, and gives the norms, guide private financing Suggestions. He pointed out that with the development of small and medium-sized enterprises, private financing will eventually be integrated into the formal financial regulation and become an integral part of the modern financial system.